Insurance Terms

  • Deductible - The amount you pay for covered health care services before your insurance plan starts to pay. 

  • Prescription deductible - A prescription drug deductible is the amount you pay for drugs before your insurance plan starts to pay.

  • Maximum out of pocket - The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.

  • Coinsurance - Coinsurance means you would be responsible for paying a percentage of the medical claim after the deductible is met.

  • Integrated - Your prescription deductible is included in your overall plan deductible.

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